Credit Manager gave me some crazy assed quote from City and said GMAC was a No-GO. Odd LOL my credit is above 700.

I told him State Farm offered to finance it for me. He called me back 5 minutes later with a different tone and said GMAC offered me 3 points below City.... I took it.

Funny: the person at GMAC fat fingered the APR when putting it into the system, which the Finance manager pointed out to me it was 1/2 a point lower than the APR quote. He then said "screw those azzholes, if they gave you 1/2 a point less out of stupidity then 1/2 a point less is what you'll get!"

I got financed through GMAC... but then got a call from a Wells Fargo rep that said I was able to get a lower rate (along with a voicemail from my dealer rep that said to call this Fargo lady). I haven't heard back after a few calls. So not sure what's up with that.

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To the Jerkoff in SW Denver Driving the Black Camaro: Quit making us look bad by driving like a tool and cutting people off (my wife included)!

I'm going to have this car paid off in 24 months... but I may re-finance here in two months or so with a credit union to get the rate lowered (so I pay less in the end). Credit Unions are usually the way to go.

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To the Jerkoff in SW Denver Driving the Black Camaro: Quit making us look bad by driving like a tool and cutting people off (my wife included)!

This is something thats been on my mind alot lately....I've recently got my credit in good standing but I've never applied for a loan this big. Even with like 7500-10000 down I'm concerned they may try me when we go in that finance room?

I went with Bank of America. The dealership's interest rate was way too high, (I have no idea who they were using for financing). The lowest rate that they would offer me was 5.09% for 60 months, (and i have an 802 credit rating)! I applied on-line with Bank of America and had a response in a few minutes at 2.44%.

This is something thats been on my mind alot lately....I've recently got my credit in good standing but I've never applied for a loan this big. Even with like 7500-10000 down I'm concerned they may try me when we go in that finance room?

I would recommend going to your bank or a credit union. There is no pressure there...it is very, VERY difficult to say NO to a bull s--- offer when you can see your car outside the front window.

I might do a credit union, how hard to is it to get financed thru them? If u have good credit. Would I get a better interest rate if I got my father to cosign? His credit is basicly perfect

I would say go with a credit union. Do you have established credit history? If not, the loan officer might require you to put money down or require an acceptable co-signer. If your father co-signs for you, you might get a better rate but it all depends on your credit score and credit history.

My credit score is over 700, I've bought one new car and had it paid off ahead of time and also a dirt bike. I have a couple credit cards. Always get paid off.so i believe I should have established credit. He's more than willing to cosign

This is something thats been on my mind alot lately....I've recently got my credit in good standing but I've never applied for a loan this big. Even with like 7500-10000 down I'm concerned they may try me when we go in that finance room?

At the credit union I work at, the person's credit score determines the person's interest rate. Money down is required typically if the person has no credit history or the person's credit history doesn't look so great. If there are recent past dues on the credit history, the loan officer will most likely deny the loan even with money down but it all depends on the policy and loan procedures that that financial institution.

My credit score is over 700, I've bought one new car and had it paid off ahead of time and also a dirt bike. I have a couple credit cards. Always get paid off.so i believe I should have established credit. He's more than willing to cosign

700 credit score is a good credit score. You should be able to finance the loan without your father but at the credit union I work at there are different tiers for credit ratings. 720+ is excellent credit which would give the person the best interest rate. 700 is considered A so the person would get the A interest rate. Were the previous loans that are now paid off close to the amount that you want to finance for the Camaro? If they are, then you should be fine. If not, the loan officer might ask for money down depending on the amount that you are applying for. Good Luck!

My credit score is over 700 also and I've not made a late payment in 5 or more years. I want to order my car from gm, so can i obtain a loan for a car not yet built?

Typically you want to apply for a loan to get a pre-approval. The pre-approval is normally only good 30 days after credit has been pulled. After 30days the loan officer would pull credit again to make sure the credit history didn't change. The loan can't be completed until the car is completed. I personally would apply for the loan to get a pre-approval so you know that you can get it financed. Once it gets close for your Camaro to be delivered, call the credit union so the can pull credit again. It's entirely up to you but I would hate for you to order your Camaro and have problems financing it or not like the interst rate. The interest isn't guaranteed until the day you close on your loan but I wouldn't expect the interest rate to change dramatically. Every time your credit is pulled, your score will go down. You shouldn't worry about that unless you are going to be making a big purchase other than the Camaro in the near future.